Aditya Birla Sun Life Liquid Fund

An Open ended Liquid Scheme. A relatively low interest rate risk and moderate credit risk.

July 2026

Debt Scheme


Investment Objective
The objective of the scheme is to provide reasonable returns at a high level of safety and liquidity through Investment Objective judicious investments in high quality debt and money market instruments. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved.
Fund Category: Liquid Fund
Scheme Rating: [ICRA]A1+mfs/ CARE AAA mfs
Fund Snapshot
Date of Allotment : Jun 16, 1997
Benchmark: Nifty Liquid Index A-I
Fund Manager - Mr. Kaustubh Gupta
Managing the Fund Since: July 15, 2011
Experience in Managing the Fund: 15.0 Years
Fund Manager - Ms. Sunaina Da Cunha
Managing the Fund Since: Jun 09, 2021
Experience in Managing the Fund: 5.1 Years
Fund Manager - Mr. Sanjay Pawar
Managing the Fund Since: July 01, 2022
Experience in Managing the Fund: 4.1 Years
SIP:
Daily/Weekly/Monthly: Minimum ₹ 100/-and in multiples of ₹ 1/- thereafter
Application Amount for fresh subscription:
₹ 100 (plus in multiplies of ₹ 1)
Minimum Additional Investment:
₹ 100 (plus in multiplies of ₹ 1)
Load Structure (as % of NAV) (Incl. for SIP)
Entry Load: NIL
Exit Load: Day 1 -0.0070%; Day 2 -0.0065%; Day 3- 0.0060%; Day 4-0.0055%; Day 5-0.0050%; Day 6 -0.0045%; Day 7-0.0000%
AUM as on July 31,2026 (in ₹Crore)
Month End AUM 68,306.83
Monthly Average AUM 74,572.16
Base Expense Ratio (BER)
Regular 0.30%
Direct 0.18%
BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors.
NAV as on July 31, 2026
Regular Growth 449.57
Regular IDCW$ 100.20
Regular IDCW$ 104.22
Regular IDCW$ 100.23
Direct Growth 455.65
Direct IDCW$ 100.20
Direct IDCW$ 137.03
Direct IDCW$ 100.23

$Income Distribution cum capital withdrawal

Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns.
Risk Free Rate assumed to be 5.41 % (FBIL OvernightMIBOR as on 31 July, 2026) for calculating SharpeRatio
Top 10 Sectoral Contribution (in %)
Rating Profile of Portfolio
Instrument Profile
Instrument Name
% Net Assets
Certificate of Deposit
41.92%
Commercial Papers
37.28
Sovereign
10.52%
Cash & cash equivalent
6.13%
Bonds & Debentures
3.91%
Others
0.23%
Debt Quants
Modified Duration
0.11years
Average Maturity
0.11 years
Yield to Maturity
6.56%
Macaulay Duration
0.11 years
Standard Deviation
0.21% years
Portfolio Holdings as on July 31, 2026
( • Top Ten Holdings - Issuerwise)
Sector/Issuer Name
Rating
% to Net Assets
Debt & Debt Related    
Money Market Instruments   87.25%
● Union Bank of India ICRA A1+ 2.80%
● HDFC Bank Ltd. ICRA A1+ 2.06%
● City Union Bank Ltd. ICRA A1+ 1.73%
● Hindustan Petroleum Corporation Ltd. ICRA A1+ 1.53%
● Union Bank of India ICRA A1+ 1.44%
● National Bank for Agriculture and Rural Development ICRA A1+ 1.44%
● Sundaram Finance Ltd. ICRA A1+ 1.37%
National Bank for Agriculture and Rural Development ICRA A1+ 1.33%
Bharat Petroleum Corporation Ltd. CRISIL A1+ 1.31%
Central Bank of India CRISIL A1+ 1.16%
Bank of Baroda CARE A1+ 1.09%
ICICI Bank Ltd. ICRA A1+ 1.08%
Bharat Heavy Electricals Ltd. ICRA A1+ 1.08%
Union Bank of India ICRA A1+ 1.04%
IndusInd Bank Ltd. CRISIL A1+ 1.02%
Export-Import Bank of India ICRA A1+ 0.90%
IndusInd Bank Ltd. CRISIL A1+ 0.87%
The Jammu & Kashmir Bank Ltd. CRISIL A1+ 0.87%
Canara Bank ICRA A1+ 0.87%
DBS Bank Ltd. CRISIL A1+ 0.87%
L&T Metro Rail (Hyderabad) Ltd. [Guaranteed by Larsen & Toubro Ltd.] CRISIL A1+ 0.86%
Canara Bank ICRA A1+ 0.83%
HDFC Bank Ltd. ICRA A1+ 0.83%
Union Bank of India ICRA A1+ 0.79%
360 One Prime Ltd. ICRA A1+ 0.73%
National Bank for Agriculture and Rural Development ICRA A1+ 0.73%
Canara Bank ICRA A1+ 0.72%
Punjab & Sind Bank ICRA A1+ 0.72%
Bank of Baroda CARE A1+ 0.72%
ICICI Bank Ltd. ICRA A1+ 0.72%
Central Bank of India CRISIL A1+ 0.72%
Bank of Baroda CARE A1+ 0.72%
HDFC Bank Ltd. ICRA A1+ 0.72%
LIC Housing Finance Ltd. ICRA A1+ 0.72%
PNB Housing Finance Ltd. CRISIL A1+ 0.72%
IIFL Finance Ltd. ICRA A1+ 0.72%
DCB Bank Ltd. CRISIL A1+ 0.72%
Axis Bank Ltd. ICRA A1+ 0.72%
HDFC Bank Ltd. ICRA A1+ 0.72%
Punjab National Bank ICRA A1+ 0.72%
Union Bank of India ICRA A1+ 0.72%
Reliance Retail Ventures Ltd. CRISIL A1+ 0.72%
Larsen & Toubro Ltd. ICRA A1+ 0.65%
ICICI Securities Ltd. ICRA A1+ 0.65%
Indian Bank CRISIL A1+ 0.65%
ONGC Petro Additions Ltd. ICRA A1+ 0.58%
IndusInd Bank Ltd. CRISIL A1+ 0.58%
The Jammu & Kashmir Bank Ltd. CRISIL A1+ 0.58%
The Jammu & Kashmir Bank Ltd. CRISIL A1+ 0.58%
Punjab & Sind Bank ICRA A1+ 0.58%
Punjab & Sind Bank ICRA A1+ 0.58%
IIFL Finance Ltd. ICRA A1+ 0.58%
ONGC Petro Additions Ltd. ICRA A1+ 0.58%
Bharti Telecom Ltd. ICRA A1+ 0.53%
HDFC Bank Ltd. ICRA A1+ 0.51%
Tata Communications Ltd. CRISIL A1+ 0.50%
Tata Housing Development Co. Ltd. CARE A1+ 0.49%
Mindspace Business Parks Reit ICRA A1+ 0.48%
Standard Chartered Capital Ltd. ICRA A1+ 0.47%
Export-Import Bank of India ICRA A1+ 0.47%
Axis Bank Ltd. ICRA A1+ 0.47%
Hero FinCorp Ltd. ICRA A1+ 0.44%
Sikka Ports & Terminals Ltd. CRISIL A1+ 0.44%
CESC Ltd. ICRA A1+ 0.43%
Tata Capital Housing Finance Ltd. ICRA A1+ 0.43%
AU Small Finance Bank Ltd. CRISIL A1+ 0.43%
Central Bank of India CRISIL A1+ 0.43%
Bajaj Financial Securities Ltd. CRISIL A1+ 0.43%
Tata Teleservices (Maharastra) Ltd. CRISIL A1+ 0.43%
Central Bank of India CRISIL A1+ 0.43%
Bajaj Financial Securities Ltd. CRISIL A1+ 0.43%
Vedanta Power Ltd. ICRA A1+ 0.43%
NTPC Ltd. ICRA A1+ 0.43%
Export-Import Bank of India ICRA A1+ 0.40%
Bharti Telecom Ltd. ICRA A1+ 0.40%
Bajaj Housing Finance Ltd. CRISIL A1+ 0.36%
Tata Capital Housing Finance Ltd. ICRA A1+ 0.36%
Godrej & Boyce Manufacturing Co. Ltd. ICRA A1+ 0.36%
Union Bank of India ICRA A1+ 0.36%
Can Fin Homes Ltd. ICRA A1+ 0.36%
Godrej Consumer Products Ltd. ICRA A1+ 0.36%
Adani Ports and Special Economic Zone Ltd. ICRA A1+ 0.36%
Knowledge Realty Trust CRISIL A1+ 0.36%
Bank of Baroda CARE A1+ 0.36%
DBS Bank Ltd. CRISIL A1+ 0.36%
Karur Vysya Bank Ltd. ICRA A1+ 0.36%
Julius Baer Capital (India) Pvt. Ltd. ICRA A1+ 0.36%
Manappuram Finance Ltd. CRISIL A1+ 0.36%
DCB Bank Ltd. CRISIL A1+ 0.36%
Sharekhan Ltd. ICRA A1+ 0.36%
DBS Bank Ltd. CRISIL A1+ 0.36%
Canara Bank ICRA A1+ 0.36%
Nuvama Wealth & Investment Ltd. ICRA A1+ 0.36%
Kotak Securities Ltd. ICRA A1+ 0.36%
City Union Bank Ltd. ICRA A1+ 0.36%
Hindustan Petroleum Corporation Ltd. ICRA A1+ 0.36%
NTPC Ltd. ICRA A1+ 0.36%
CESC Ltd. ICRA A1+ 0.36%
Karur Vysya Bank Ltd. ICRA A1+ 0.36%
Jio Credit Ltd. CRISIL A1+ 0.36%
Union Bank of India ICRA A1+ 0.36%
IDFC First Bank Ltd. CRISIL A1+ 0.36%
DSP Finance Pvt. Ltd. ICRA A1+ 0.36%
Hindustan Petroleum Corporation Ltd. ICRA A1+ 0.36%
Manappuram Finance Ltd. CRISIL A1+ 0.36%
DSP Finance Pvt. Ltd. ICRA A1+ 0.36%
DSP Finance Pvt. Ltd. ICRA A1+ 0.36%
HDFC Bank Ltd. ICRA A1+ 0.36%
Indian Overseas Bank CARE A1+ 0.36%
The Federal Bank Ltd. CRISIL A1+ 0.36%
Tata Realty and Infrastructure Ltd. ICRA A1+ 0.35%
Infina Finance Pvt. Ltd. ICRA A1+ 0.33%
Motilal Oswal Financial Services Ltd. ICRA A1+ 0.32%
Punjab National Bank ICRA A1+ 0.32%
Fedbank Financial Services Ltd. ICRA A1+ 0.29%
Sector/Issuer Name
Rating
% to Net Assets
ICICI Home Finance Co. Ltd. ICRA A1+ 0.29%
Deutsche Investments India Pvt. Ltd. ICRA A1+ 0.29%
DSP Finance Pvt. Ltd. ICRA A1+ 0.29%
Bajaj Finance Ltd. ICRA A1+ 0.29%
DSP Finance Pvt. Ltd. ICRA A1+ 0.29%
Redington Ltd. ICRA A1+ 0.29%
Angel One Ltd. ICRA A1+ 0.29%
DCB Bank Ltd. CRISIL A1+ 0.29%
Tata Projects Ltd. CRISIL A1+ 0.29%
Motilal Oswal Financial Services Ltd. ICRA A1+ 0.29%
Dsp Investment Manager Pvt. Ltd. ICRA A1+ 0.29%
Godrej Finance Ltd. ICRA A1+ 0.29%
Kisetsu Saison Finance (India) Pvt Ltd. CRISIL A1+ 0.29%
Karur Vysya Bank Ltd. ICRA A1+ 0.29%
Sharekhan Ltd. ICRA A1+ 0.29%
Julius Baer Capital (India) Pvt. Ltd. ICRA A1+ 0.29%
Sharekhan Ltd. ICRA A1+ 0.29%
UCO Bank CRISIL A1+ 0.29%
Tata Projects Ltd. CRISIL A1+ 0.29%
ICICI Securities Ltd. ICRA A1+ 0.25%
SMFG India Credit Company Ltd. ICRA A1+ 0.24%
IDBI Bank Ltd. ICRA A1+ 0.22%
Hero FinCorp Ltd. ICRA A1+ 0.22%
Mirae Asset Capital Markets (I) Pvt. Ltd. ICRA A1+ 0.22%
HDFC Bank Ltd. ICRA A1+ 0.22%
GIC Housing Finance Ltd. ICRA A1+ 0.22%
AU Small Finance Bank Ltd. CRISIL A1+ 0.22%
Tata Projects Ltd. CRISIL A1+ 0.22%
Godrej Properties Ltd. ICRA A1+ 0.22%
IIFL Finance Ltd. ICRA A1+ 0.22%
Infina Finance Pvt. Ltd. ICRA A1+ 0.22%
Redington Ltd. ICRA A1+ 0.22%
ICICI Securities Ltd. ICRA A1+ 0.18%
Tata Housing Development Co. Ltd. CARE A1+ 0.18%
Nuvama Clearing Services Ltd. ICRA A1+ 0.15%
Kotak Securities Ltd. ICRA A1+ 0.14%
DSP Finance Pvt. Ltd. ICRA A1+ 0.14%
Godrej Housing Finance Ltd. ICRA A1+ 0.14%
AU Small Finance Bank Ltd. CRISIL A1+ 0.14%
Sharekhan Ltd. ICRA A1+ 0.14%
Mirae Asset Capital Markets (I) Pvt. Ltd. ICRA A1+ 0.14%
Julius Baer Capital (India) Pvt. Ltd. ICRA A1+ 0.14%
Mirae Asset Financial Service CRISIL A1+ 0.14%
National Bank for Agriculture and Rural Development ICRA A1+ 0.14%
Manappuram Finance Ltd. CRISIL A1+ 0.14%
SBICAP Securities Ltd. ICRA A1+ 0.14%
Manappuram Finance Ltd. CRISIL A1+ 0.14%
Angel One Ltd. ICRA A1+ 0.14%
Infina Finance Pvt. Ltd. ICRA A1+ 0.14%
SBICAP Securities Ltd. ICRA A1+ 0.14%
Manappuram Finance Ltd. CRISIL A1+ 0.14%
Cholamandalam Investment & Finance Co. Ltd. ICRA A1+ 0.14%
DSP Finance Pvt. Ltd. ICRA A1+ 0.14%
Redington Ltd. ICRA A1+ 0.14%
Nuvama Wealth & Investment Ltd. ICRA A1+ 0.14%
Godrej Properties Ltd. ICRA A1+ 0.14%
Mirae Asset Financial Service CRISIL A1+ 0.14%
Tata Housing Development Co. Ltd. CARE A1+ 0.12%
Godrej Industries Ltd. ICRA A1+ 0.11%
Godrej Industries Ltd. ICRA A1+ 0.11%
Godrej Industries Ltd. ICRA A1+ 0.11%
HSBC Investdirect Financial Services India Ltd. CRISIL A1+ 0.11%
Kotak Mahindra Prime Ltd. ICRA A1+ 0.11%
GIC Housing Finance Ltd. ICRA A1+ 0.11%
Muthoot Finance Ltd. ICRA A1+ 0.11%
Godrej Industries Ltd. ICRA A1+ 0.11%
Godrej Industries Ltd. ICRA A1+ 0.11%
Godrej Industries Ltd. ICRA A1+ 0.11%
Godrej Industries Ltd. ICRA A1+ 0.11%
Nuvama Wealth & Investment Ltd. ICRA A1+ 0.10%
ICICI Securities Ltd. ICRA A1+ 0.07%
Canara Bank ICRA A1+ 0.07%
AU Small Finance Bank Ltd. CRISIL A1+ 0.07%
National Bank for Agriculture and Rural Development ICRA A1+ 0.07%
Muthoot Finance Ltd. ICRA A1+ 0.07%
Godrej Finance Ltd. ICRA A1+ 0.07%
IDBI Capital Markets & Securities Ltd. CARE A1+ 0.07%
AU Small Finance Bank Ltd. CRISIL A1+ 0.07%
Manappuram Finance Ltd. CRISIL A1+ 0.07%
DSP Finance Pvt. Ltd. ICRA A1+ 0.06%
IDBI Capital Markets & Securities Ltd. CARE A1+ 0.06%
Cholamandalam Securities Ltd. ICRA A1+ 0.06%
Small Industries Development Bank of India CRISIL A1+ 0.04%
IDBI Capital Markets & Securities Ltd. CARE A1+ 0.04%
TREASURY BILLS   10.28%
● Reserve Bank of India SOV 3.13%
● Reserve Bank of India SOV 2.28%
● Reserve Bank of India SOV 1.44%
Reserve Bank of India SOV 1.09%
Reserve Bank of India SOV 1.03%
Reserve Bank of India SOV 0.72%
Reserve Bank of India SOV 0.44%
Reserve Bank of India SOV 0.14%
Fixed rates bonds - Corporate   4.31%
Small Industries Development Bank of India CRISIL AAA 1.08%
India Infradebt Ltd. ICRA AAA 0.69%
Power Finance Corporation Ltd. ICRA AAA 0.58%
Small Industries Development Bank of India CRISIL AAA 0.48%
Aditya Birla Capital Ltd. ICRA AAA 0.28%
Jamnagar Utilities & Power Pvt. Ltd. CRISIL AAA 0.25%
National Bank for Agriculture and Rural Development ICRA AAA 0.23%
HDB Financial Services Ltd. CRISIL AAA 0.18%
Power Finance Corporation Ltd. ICRA AAA 0.11%
SMFG India Credit Company Ltd. ICRA AAA 0.10%
Sundaram Home Finance Ltd. ICRA AAA 0.09%
Power Finance Corporation Ltd. ICRA AAA 0.08%
LIC Housing Finance Ltd. CRISIL AAA 0.07%
TATA Capital Ltd. CRISIL AAA 0.04%
Small Industries Development Bank of India CRISIL AAA 0.04%
Government Bond   1.24%
91 DAY T-BILL 06.08.26 6.97% 06.09.2026 GOV SOV 1.24%
Alternative Investment Funds (AIF)   0.25%
Corporate Debt Market Development Fund   0.25%
State Government bond   0.07%
State Government of Maharashtra 6.24% 11.08.2026 SDL SOV 0.07%
Net Cash and Cash Equivalent   -3.40%
Grand Total   100.00%
Miscellaneous includes securities with exposure of less than 0.01%
Product Label
Scheme Name
Aditya Birla Sun Life Liquid Fund
An Open ended Liquid Scheme. A relatively low interest rate risk and moderate credit risk.
This product is suitable for investors who are seeking*:
  • Reasonable returns with high levels of safety convenience of liquidity over short term
  • Investments in high quality debt and money instruments with maturity of upto 91 days
Risk-o-meter
Benchmark Risk-o-meter
Nifty Liquid Index A-I
*Investors should consult their financial advisors if in doubt whether the product is suitable for them.